I am new to this forum so apologies in advance if I am repeating something that has been posted elsewhere.
If you are looking at a new policy and you do hedges & trees you should clarify with your insurer the exclusion most have specifically related to this work. I have just gotten off the phone with Allianz, our existing insurer, after noticing a non-negotiable exclusion that states...
"any tree felling or lopping by you or on your behalf where the tree to be felled or lopped exceeds 3.5 metres in height."
When I asked for clarification from their underwriters in detail on what this excluded they confirmed that regardless of the working height (the representative specified a branch at knee high or hedge trimming while standing on the ground) if I do anything to a tree, hedge or plant of any kind, and the total height of the plant is above 3.5m my insurance is voided for that activity.
This may all sound obvious with hindsight but when I took out the policy I was very clear on the height at which we work to, 5m, and I was assured that this policy would be fine.